Knowledge Center

ANBTX Online

ANBTX online banking allows our customers convenient access to their accounts via the Internet in a secured environment. Any PC with Internet access can directly link you to your American National Bank of Texas accounts!

Yes, an application is required to sign up for ANBTX Online Banking for each person who wants access to their account. Upon receipt of the application, a User ID number will be assigned and a letter with login instructions will be forwarded once the application is processed. Upon initial login you will be required to select a password of your choice.

To apply for our Business Online Banking service, please complete the business application and submit online. Upon receipt of your information, an ANBTX Officer will contact you within three (3) business days to determine the options best suited to meet the needs of your business and assist you in completing required documents.

Click on the Online Banking link, at the login page and enter your User ID and password. You will be shown a list of your accounts and the balance in each. From the pull down menu select the function for the account you are interested in and press the "GO" button. Any additional pages will have action buttons that will lead you through your transaction.

You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon for assistance.

New accounts do not automatically appear on the ANBTX Online Banking system. Simply call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon, and ask to have the account added to your profile. You must be sole or joint owner of the account to have it added to your profile.

Yes, under the Home Banking section simply click on the management drop down to access the Account Management page. On this page you can control and create such items as:
· Change Password - You may change your password.
· Change User ID - You may create your own User ID.
· Reset Login Count - To keep a closer watch on the
security of your accounts, you may wish to set your login
count back to zero periodically.
· Change Pseudo Account Name - You may create your
own names for your bank accounts.
· Display Options - You can choose how many of your
accounts that you would like displayed at a time.
· Change Your Cash Management Password - You may
change your cash management password at any time.

If you get an error message, please make a note of the message, the error number, and the time. Then call the bank at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon to report the error message. We will make every effort to resolve the issue as soon as possible.

ANBTX Online requires 128-bit encryption (a high level of coding for security purposes). If your computer browser does not have this level of encryption, a blank screen will be displayed. At the very top of the screen you may see a message displaying the need of 128-bit encryption and JavaScript.

We have extremely high criteria for security of your online banking information. A few of these are listed below:
· Your banking information never travels the Internet without encryption protection.
· Login sessions have a time-out limit and after the limit is reached you are required to login again.
· Password guessing is deterred and reported.

Banks are required to limit potential liability with respect to funds being improperly moved from corporate accounts to personal accounts. A check being written from the corporation by an authorized signer, to a specific payee, provides a paper trail that can be used if, at any future date, there is any question as to why corporate funds were moved to a personal account. This applies to Corporations, Limited Liability Companies (LLC), and partnerships. However, those customers with Sole Proprietorships will continue to have the ability to transfer funds between their business and personal accounts.

If you are a current ANBTX Online user, simply contact our customer service center during regular banking hours at 800-837-6584 for assistance. Current ANBTX customers not enrolled in either service are welcome to complete and submit our Online Application or stop by one of our convenient locations.

Check payments are encoded with the customer’s account number and a sequential check number beginning at 1000000001 is encoded on the check. These checks clear against the customer’s account as if they had written a check from their own checkbook. The signature line on the check will be printed with "Signature on File". Electronic payments are verified for availability of funds during the noon processing. The customers’ account is debited for the payment if the funds are available.

Since check payments entered before noon CST Monday through Friday (excluding holidays) are mailed that day, sufficient time must be allowed for the post office to deliver the check. Please allow 5-7 days (excluding grace period, holidays or weekends) for paper check payments. Allow 3-4 days (excluding grace period, holidays or weekends) for electronic payments. If a scheduled payment falls on a weekend it will be processed on Monday (except holidays). New payments scheduled during the weekend will be processed on Monday (except holidays). All payments scheduled for a holiday will be processed the day after the holiday. Helpful Hint: To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check, such as your name, address, and account number.

If you setup your payee’s with the information on your bill, it may not be the correct address for electronic payments. Our Bill Pay provider may substitute addresses when it transmits the payments. If this occurs an additional line will be on your Schedule.

The Cash Management product allows for you to set up separate ID’s and passwords for all your employees. Each company will have an ANBTX Online ID and password and then each employee will have their own ID and password. When setting up your employees, you can also specify which of your accounts the employee has access to.